Side-by-side · Q2 2026 data
First State Bank vs United Bank & Trust Co.
Metric by metric
| Measure | First State Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 48 | 55 (stronger) |
| Loan quality | 93 (stronger) | 48 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 53 | 83 (stronger) |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 61st | 24th |
| Total assets | $384.2M | $120.1M |
| Deposits / shares | $308.1M | $106.7M |
| Capital ratio | 9.77% | 10.46% (stronger) |
| Problem loans | 0.21% (stronger) | 1.57% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.11% (stronger) | 1.24% |
| Loans ÷ deposits | 95.6% | 63.7% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 27.3% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
First State Bank has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and United Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.